Personal Checking

Simplify Your Checking

At Pine Country Bank, we understand that everyone’s financial needs are unique. That’s why we offer three distinct personal checking account options designed to cater to our client’s diverse requirements. Alongside features such as round-the-clock online and mobile banking, online bill payment, complimentary e-statements, and access via Telebanc, we also provide the added convenience of drive-up banking services. With Pine Country Bank, managing your finances has never been easier or more tailored to your preferences.

Debit Card0
Free Online Banking
Free Mobile Banking1
Online Bill Pay2
Free E-Statements
Check Discounts
Interest-Earning Accounts
Minimum Opening Deposit
Minimum Daily Balance
Minimum Average Daily Balance
Monthly Service Fee
Debit Item Fee
Basic Checking*
Evergreen Checking*
Variable Checking*
$5 Waived if either minimum balance requirement is met
20¢ fee/debit transaction

*A $25.00 fee may apply if your account is closed within 6 months of the opening date.
0 One-time or monthly fees may apply.
1 Your mobile carrier’s text messaging and web access charges may apply.
2 First 10 transactions are free per monthly anniversary date. Additional bill pay transactions are 50¢ each.

We provide the added convenience of easy check reordering.

  • Basic Checking
    No monthly service fee. No minimum account balance. Just what you need.
  • Evergreen Checking
    Includes all features of our Basic Checking, plus check discounts for a low monthly fee.
  • Variable Rate Now Checking
    Features three available tiers of competitive interest; monthly fee is waived so long as balance requirements are met.

 Your Hometown Bank

Little Falls

1201 First Avenue NE
P.O. Box 528
Little Falls, MN 56345
(320) 632-9740


750 County Road 21
PO Box 197
Rice, MN 56367
(320) 393-4200


412 North Highway 10
P.O. Box 25
Royalton, MN 56373
(320) 584-5522


(877) 584-5858
24-hour banking from any touch-tone phone

Routing Number